Auto Loan Calculator
Estimate your monthly car payment and total loan cost.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter the car price
Plus any tax/fees you are financing.
Subtract down payment and trade-in
To find the loan amount.
Set rate and term
Read your monthly payment and total interest.
What Is an Auto Loan Calculator?
An auto loan calculator estimates the monthly payment on a car loan. The loan amount is the purchase price minus your down payment and trade-in value, plus any sales tax and fees you finance.
Car loans are typically 3–7 years at fixed rates. A shorter term means higher payments but far less interest; the calculator makes that trade-off visible.
The Formula
P = price + tax + fees − down payment − trade-in. The annual rate is divided by 12 for monthly payments over the term in months.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How is a car payment calculated?
The loan amount (price − down − trade-in) is amortised at the monthly rate over the term using the standard payment formula.
What is a typical auto loan term?
36 to 84 months. Longer terms lower the payment but increase total interest significantly.
Should I put more money down?
A larger down payment reduces both the payment and the interest, and can help you stay above water on the loan.
How much car can I afford?
A common guideline is that the payment should stay under ~10% of gross monthly income — see the car affordability calculator.
Does this include sales tax?
It includes tax if you enter it in the tax field — many buyers finance the tax into the loan.